Milann's loan has got to go......

Buffythedebtslayer

Just wanted to pop on and say hi,


I have done the same thing as you- got debt free (June 2011) and then took out a loan ( Dec 212) that I thought I would pay off so quickly, maybe 8 months..........ermmmmm. That would be a big fat no! I moved mine to a 0% CC and am slowly paying it off. am taking my sweet time tho!


Have also put off a op! hoping to sort out a date in half term..


Best of luck with everything XXX

beanielou

Hope it all goes well for you

milann

Hope things work out for you too Beanie
I put the op off nearly a year ago mainly because I was worried about losing my job - but in hindsight maybe should have had it done before it as severe. But heyho just when things are going ok life gets in the way. Once I have it done I know I'll be fine as I've got over much worse BUT I don't do waiting lol.....Most procedures I've had have been emergency do or die situations that I haven't had to think about...........don't like this waiting lark and having a choice. Just want it finished with now - waiting for a treadmill test and should be in sometime in July.

Just seen your weight loss Beanie - fantastic. I'm still trying to shift my last 3lb - bit like a see-saw 1lb on 1lb off 1lb on 1lb off.

I finally joined the gym so have had 3 swims a week for the last couple of weeks little and often is the way forward for me

milann

Yesterday was a good day on food and exercise front - kept within my sw plan. Did 250 calories worth on cycle, rower and treadmil (not much to some but little and often is going to be my motto) NOW why can't I do that everyday
Spendy front not as good - went into Mr M's for a couple of bits and £25 later..................but I did stock up on half price coffee and my fave hair stuff was on offer I didn't need them but got them in now.

Today was better on the spends - £1.49 on potatoes BUT I had to throw some fruit out which I hate doing. In my defense I had a senior moment when I came out of the hospital last week and bought mango, strawberries and pineapple totally forgotten I'd bought them previous day - I was a tad mithered about being told about op. So some had to go in bin as green fury strawberries did not look too appealing.

I had all the best intentions and took gym stuff with me this morning but left my bag with entrance card on kitchen worktop. The moment had passed by the time I got home. I did an hours gardening instead - nothing strenuous but it was nice in a sunny moment.

Going for a meal tomorrow I don't want to spend any money or eat too much but love the people that are going so decisions, decisions.........

milann

where has my willpower gone????????
Went out and bought some clothes on Thursday - not sure if I needed or just wanted them......but I'm pleased with them. I've just worked out it took me about 9 hours to earn the cash to pay for them......that is VIRTUALLY 2 DAYS as I work 5 hours a day..............now THAT as made me think do I like them THAT much. Might use that as a benchmark when I feel the urge to splurge, Also went to the meal and that was another 2 1/2 hours worth of work to pay for it - defo not worth it and I could have made nicer and healthier for a fracion of the cost but we had a laugh and dh enjoyed his doggy bag

Went to the docs today - she gave me some meds and suggested a month off work with rest until they get into my system. I have taken next week off sick then its a 2 week holiday anyway so will get a good rest. I have to go back to report how I'm getting on when we get back.

milann

Took meds for a couple of days but they made me feel rubbish and really sick - seems to be a waste of time when side effects are worse than condition its treating. Think I'll go the rest, fresh air and positive attitude route if I can...... although the latter is a bit hard at present - but I'll bounce back.

We go to cornwall at weekend and when dh was 60 last November we said we'd have a night in a hotel as a treat and he wanted to wait for nice weather sooooooooooo have been on late rooms and booked 2 nights in a fancy hotel so we can visit Bristol and Bath on the way. Really looking forward to it. I can't remember the last time I stayed anywhere than the caravan.

Once we get back I will get my arris into gear and do some number crunching so anything I spend on my cc whilst away will still be paid off at the end of the month - a promise I made when paid my last cc off and so far have just about managed to do.........getting tight though. But car is full of petrol and cupboards are well stocked so it should be managable - there will 'just' be fresh stuff to buy...........

Having my hair cut on Wednesday and think I'm going to go for a drastic short cut - I always had short hair until I had hearing aids but now have a bob - it looks ok but I'm very bored of it. I asked hairdresser to go shorter last time but she was a bit war and didn't go as short as I'd have liked - but I've seen a piccy I like so I'll take it with me and ope for the best!!

milann

Been back a week from holibobs in Cornwall - think I mentioned it as going to be a cheap caravan holiday in a past post - silly silly me LOL - weather was very mixed and I spent more than I'd intended mainly on eating out cos weather was very wet at times and there were some lovely little restaurants.........so I had to pass the time and keep dry somehow......well that's my excuse and I'm sticking to it we did have a lovely, relaxing time though - BUT I am going to pay it all off this month even though it means a very tight month with lots of using stock supply.
I put a whopping 8lb on, and thoroughly enjoyed doing it...............but am working hard to get it off again - if only it came of as easily as it went on.
Ah well - so here we go again.........store cupboard challenge, nsd challenge and healthy eating challenge - GOT to get my finances and weight back on track don't want to be worrying about these after my op.
I just need potatoes tomorrow so quick trip into Aldi on my way TO work that way I'll have to be in and out in a few minutes and won't be tempted to buy stuff I don't need - if I go after work I'll wander round and have a basket of food before I know it........that's the plan - all I have to do is stick to it......... siimples...............

milann

Where does time go?
I am waiting (not too patiently) for this hernia operation - surgeon said at the beginning of July he would hopefully get me in before the summer holidays finished BUT when I had my pre-op the nurse wouldn't sign me fit until a heart monitor result came through - surgeon didn't seem too bothered about them. Anyway after much waiting it turns out something has showed on the monitor and she is consulting with cardiologist to see where we go from here - meds, nothing or if I need to have further investigation..........nothing is ever straight forward lol......could be loads worse I know but it's very frustrating!!

Anyway as a result of being a bit anxious about things my spending has gone out of the window - a lot of the spends have gone on food though and freezer and cupboards are fit to burst as I've stocked up and made lots of home made ready meals to make life easy when I come out. BUT I need to stop now as I'm as ready as I can be.

The diet has either been really good or really bad - hadn't realised what a emotional eater I am.........

Today has been a NSD and I'm on plan with my eating......so all is good

milann

Just been on line and ordered loads of plants for the garden - WHY - because I'm fed up and feel as though I've wasted my summer holiday and not done much as I've been waiting for the hospital to get in touch blah, blah, blah........THIS IS RUBBISH!!!!!

I have had some lovely days out with family and friends, am going to dd's for a few days - she and gdd have been here and I've ha lots of Granny cuddles. I have cleaned, de-cluttered and cooked which I get great satisfaction from...........so although I haven't been away and not planned anything expensive too far in advance in case I got a calling and lost any money I'm hardly 'hard done by' - OK I've seen lots of workmates post holiday pics of far off hot places - but do I really need that - NO....- it's just a case of the little green monster me thinks. I need to get debt free so I have a little extra cash in my purse instead of just getting by each month because I'm paying a stupid loan.....

Sooooo - I'll keep my plants and bulbs and enjoy them when they flower next spring. In the meantime I WILL make extra payments........

NEW TERM = NEW START - 1st September here I come.......................

milann

Long time no comie on here.......

I finally had my op - 2 weeks before Christmas!!! I'm on the right side of it now and although it has taken me longer to get moving than I'd have liked I am on the mend. It's 6 weeks today since I had it done and I drove to Slimming World this morning - the first time driving and I didn't realize how many tummy muscles I'd use changing gear. I ached after my 3 mile journey and will leave it a bit longer until I try again. I only have 1/2lb to go to target and won't have to pay anymore

The plus side to having been in hospital just before Christmas is I couldn't go and do all those essential 'must haves' last minute shopping - it shows I didn't need them as I didn't miss them....

I have had to get dh to take me shopping as I can't carry much or push a trolley yet - ok....I've spent more per trip as he has been adding to my basket with things he likes the look of BUT I haven't been able to pop to the shops for a top up and get tempted over buy - I've had to use what I've had in.........a lesson I'll try and keep to.

My loan is now 4,600 if I can pay the majority of that this year I'll be more than happy..........

Realistically I think I'll be off work another month as my job is fairly physical. So although I don't get paid overtime I'm lucky enough to get paid a basic wage (dh doesn't) - so hopefully I'll have broken lots of bad spending habits and get plenty of NSD's enabling me to make an over payment when I do go back to work and know my wages will be back to what they were. I'm wary of doing it too soon just in case I end up being off longer and go on half pay.

So that's the plan - break the back of the loan this year to be debt free ASAP